Payments

Payments lets your store get paid online and manages the money back to you — gateways, wallet, and payout cycle. XO takes 0% commission on your sales.

Activate online payments

1. Go to XO Commerce → Payments → Activate.
2. Complete the requirements — verified CR (with the right activity), bank account, and bank certificate; for freelancers, the freelance document.
3. Enable the methods you want:
   • mada, Visa/Mastercard, Apple Pay, Google Pay, STC Pay
   • Buy-now-pay-later / installments (Tabby, Tamara)
4. Go live once approved.

📷 Screenshot: payment methods toggled on (mada, Apple Pay, Tabby).

Wallet & store credit

Offer a customer wallet/store credit; balances apply at checkout and integrate with Loyalty and Subscriptions.

Payouts

• XO settles sales on a payout cycle to your bank via SARIE transfer.
• Track the transaction log, limits, and transfer cycle; handle digital-product payouts.
• Electronic tax invoices and credit notes are issued automatically (ZATCA-compliant).

Best practices

• Offer mada + Apple Pay + a BNPL option — the KSA conversion trio.
• Reconcile payouts against orders; settlement timing varies by method.
• Keep CR activity correct — payment activation depends on it.

Troubleshooting

• Activation rejected. Usually a CR-activity or bank-certificate issue — XO shows the requirement that failed.
• Payout delayed. Check the method’s settlement window and that bank details are verified.

Related guides

• Checkout
• Financing
• Tax & ZATCA Compliance